2892 Matera Dr, photo 1
Active
1 / 36

Overview

3 bd2 ba1,978 sqft2 car garageSingle Family
TypeSingle Family
HOA$109/mo
Built2018
Lot7,405 sqft
Living area1,978 sqft
Price / sqft$220
Garage2 car

Ask anything about this home

Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Eat-in KitchenKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorStone CountersThermostatPrivate Yard

2892 Matera Dr is a 2018-built home in Split Oak Estates, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,978 square feet of living space. Listed at $435,000 (about $220/sqft), 114 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $109 monthly.

From the listing

MOVE-IN READY in sought-after Split Oak Estates! Built in 2018 and loaded with upgrades, this 3-bedroom, 2-bath home is just 3 miles from Lake Nona. A beautiful paver driveway leads to an oversized 2-car garage. Inside, the open floor plan is perfect for entertaining, centered on a chef's kitchen with stainless steel appliances, granite counters, custom backsplash, large pantry, and an interior laundry access. The owner's suite is a true retreat with a walk-in shower and walk-in closet. Enjoy Florida living on the screened patio overlooking a fully fenced backyard, privacy and room. Community pool, cabana, and playground. Minutes from Lake Nona's Medical City, the new Lake Nona West shopping center, great schools, trails, and Orlando International Airport. DON'T MISS THIS INCREDIBLE HOME!

The essentials

Built
2018
Price / sqft
$220
On market
114 days
Annual tax
$5,470
HOA
$109/mo
Flood zone
X · Low risk
Lot
7,405 sqft
Type
Single Family Residence

At a glance

Single family
Built 2018
2 car garage
7,405 sqft lot
Lot size
1,978 sqft
Living area

Payment

Est. monthly payment
$3,051/mo
Down payment (20%)
$87,000
Property taxes
$456/mo
HOA
$109/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2018
Lot
7,405 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
114
Ceiling Fans(s)
Eat-in Kitchen
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Thermostat
Private Yard
Sidewalk
Street Lights
Dishwasher
Disposal
Electric Water Heater
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,470
Parcel #
09-25-31-5021-0001-1940

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Split Oak Estates
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
7,405 sqft
City LimitsLandscapedLevelSidewalkPaved
HOA
$109/mo
VIA First Service Residential/ Hunter Chastain

Price history

Date
Event
Price
8/27/2026
Price change
Source: Stellar MLS #O6418305
$435,000-5.2%
$220/sqft
6/18/2026
Listed for sale
Source: Stellar MLS #O6418305
$459,000
$232/sqft

Neighborhood

2892 Matera Dr
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $435,000
$432,500 – $435,000
99.5% – 100% of listTops out right at the list price
80% of listList price
306 of the last 474 home closings in 34771 landed at this number or higher (65%). The median one sat 36 days before it went under contract, and this one is on day 114 after a $24,000 cut.

Sample: 474 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,051/mo
Principal & interest$2,269
Property taxes$456
Insurance$218
HOA$109
Down payment20% · $87,000
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$435,000

$220 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,978 sq ft

Time on market

114 days

Year built

2018

Monthly payment

About $3,051/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,470 annual tax bill, insurance, and the $109/mo HOA fee.

HOA fee

$109/mo

Managed by VIA First Service Residential/ Hunter Chastain.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byJW GASTON LLCListing agent: Ryan GastonListing data from Stellar MLS, MLS# O6418305.

Keep exploring Florida

Pick up where you left off, or see what else is out there.